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All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if fZ®6(WY) (0005) CHL (08/00) Pape 3 of 11 761. 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Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. -6(WY) (0005) CHL (08/00) Page5of 11 Initial rm 3051 1/01 •punpa.z Sur o; JamoJJog al ;i ;ua ;ou'lIM put"'aauransui aSrS ;Joy j Jo3,anso "'M .zanso.uog ;uno= aq; asraraul ;ou 'liM s ;uauzaaJSr gang •uroi aq; io swam; Jag ;o ,fur .zo 'aauransui aNualaoysI .ioi ,fad o; paaar srq JaMo.uog ;rq; s ;nnoazr aq; pang ;oil bum s;uauiaa.itr Ions ,Cuy (r) :Jaqung „•0ourmsural anrldeo„ pausal ua13o si wawa&ueue aq1 `ioinsur am or mud swniwaid aqi 3o mugs r ao3 a2uegoxa ui xsu s,aainsur agl jo antis a sari iapuoZ jo mop ue 3ey1 saprno1d ruatuaadg Irons 31 •sassol Suronpoa 10 `Asp s,tamsui aSeSuow otp Surdiapow io Ruuegs ioj ague pxa ur `aoueinsul a2g2uoy(I 1o3 sivaw,fed s,iamoziog jo uoruod g (sr pazualoeiego aq 1g2ru io) woi3 anuap legs slunoum (iCpoonpur JO i(p0arrp) anpoar ,few `Suro2alo3 alp jo ,Cur 30 oimji33g /Cue 10 `,C1i1110 1ag10 ICue `iainsurai due `lamsur is potm `aroN ag13o lasugomd Aug `1 pua-I `sluawaai22 °sag; 30 linos a sy •(swnruaad aoutmsui a2u2uoJA wag paurmgo spunj apnpui view gorgm) aigetmne aim Aril iamsur a882uow am legs spunj jo aamos ,Cue Sursn sivaui,Ced OA= 01 iamsui aSeSuou atp annbai Amu sluawaai2e asagZ •sluawooa r asap of (sarurd io) /Curd imp ag1 pile aalnsur aSu21.1ow amt or Lioloejspes an imp suorupuoo pue suual uo are sivawaOaSr asagZ •sassol aonpai so Vu 'rags ,(iipow 1O mugs rum sawed iaglo gum sivawaai2e ow! lama /Cruz pile `awU or aural wog 03103 ur aouelnsur Lions Ile uo xsta Ir1o1 nags =Tuna saamsui a2E$1J0yil •aouemsul aSeSuoysi am o1,C1md a mu sr 1am0uog *Naar sr u11oi atp i(edal sou saw Jamouog 3r mour Amu 1! sassol ureuao 103 (slot 0111 sas ?golnd rum ,(1pua Cue io) aapua' sasangwrai aoueinsui °SeSuom' •a1oN azp ur paranoid area otp w lsaaann ,(ed o1 uone$ilgo s,aamouog s1oa33e 0' uogoaS srgl ur $urgloN *men alquoriddy i(q palrnbal sr uopeurwaal 'pun JO UOReww1ai Bons 1o3 Surptnold aapua-j pug 10M000g =mpg luawa0aSe mum Aug Li1aM aouep1000e ur spua aouemsul a2112uoy(I 103 luawaambar s ag1 'Run `anaasal ssor arqupunjaa -uou u aprnold or so `1oa33a ur aoug1nsul aSUSuoini uwumrew o1 parrnbaa swnrwaid agl dud pegs aamouog `aoueinsuj a211211oyit 103 sunward 0111 pmMol sivawt(ud pal11u2rsap Aplrredas 0)tew o1 parrnbai SUM 10M0J1og pug ur0Z 0111 Sunlew 3o uorIipuoo 11 se aourmsul aSeSuow paarnbaa lapua7 3I •aouemsul a2e2uoyit 103 swniwaad otp minor sluawi(rd paleu2rsap ,(plemdas sa1rnbaa aapua- pur `paumigo sr `algeprene sawooaq umSe aapua'l ,(q paloaps 1alnsur ur Aq paranoid (saarnbaa tapu0-I rum pouad 0111 Kg pug lunowg ag1 ur) a2u1anoo aourmsul agUSllo14 jr sluaw,Ced anaasal ssol airnbaa a02uol oil two aapua' •0A10501 ssol gong uo sSururea sO lsaaalur i(ue 1am0u011 i(ed 0I pannbaa aq lou'legs aapua -I pug `Iln3 ur pied iilalgwrlin sr Iran ag1rum row ay1 SurpuelsgliMlou `algepunjal -uou aq Hugs OMMOSOJ ssol Lions •aouelnsui a2112uow jo non ur OAJOSOI ssoi a1gepunJaa -uou a Liu sivau,Ced asap urelaa pile asn 'gloom IIaM aapua'I ;3a ur aq or paseao aSeaanoo aouransur ag1 uagM anp OIOM 1 111 sluawAed pareuSrsap AIa1Eredas ag13o lunoue 0Ir1 lapuarl 01 A11d 01 anurluoo 'lugs aaMOUOg `algelrene roil sr 02elanoo aouelnsul a2112uoyit lualenrnba Allepurisgns Jr •lapua- Aq pimps lamsur a2e2how aWWuJaile ue wog '1ya33a ur Xisnorn0ad aoueansul a2112uoyil a41 3o 10M0110g 011500 0111 01 lualenrnba i(llrpuelsgns woo 11 le `1oa33a ur A1snornald aourmsui a2e2uoj, am or lualenrnba d'lerrumsgns aSe10A03 UTICIO of pannbaa sunward aq1 i d pegs lamou0g `aoueansul a2g2hoinI 103 swnrwaad agl Ammar sivaw,(11d paleuSrsap I(pleredas 0)leu of palrnbal sum 1amouog par aourmsur Irons paranoid I(lsnornald 1Utp lamsur aSeSuow 0111 wo13 arquirene aq o1 saseao lapua-1 ,(q pannbaa a2tJanoo aouemsul aSeSuoyil 041 `uosUaa Cue 103 `3I •roa33a ur aouelnsut 0 troini ag1 mmurgw or paarnbal swnrwaad 0111 ,(rd hugs 10MOJJOg `ueo-I 041 SuDIeu 3O uOrlrpuo0 a sr aouemsul a2112uow pannbal lapual 3l •aauransui aSrS ;JOIN '0T Su 11M ua 1OSaau ag101 sa0aSe tapua-I ssatun 0 law toil 'lugs app aa3 am pug p1ogaseal alp `i(11ado1d am or app aaj saarnbor JOMouog 3I •ase0l 04130 suorsrnoid ag1'le yITM ,ildwoo 'legs 1aMOUOg `pIogasUal a uo sr IuawfJlsul ACll monS sr41 3I •ruaw,C11d Supsanbaa aaMouog 0110 UaJ wog aoriou uodn `1sa101u! 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IuI t l 10 9 eBed (00/80) 1HO (s000) (Am)g- INN 087 :3364 1 Doc ID #00063111353609 (b) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or ifi amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. 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papinoad st o2i qo 1u°wkeda .1d g loo .10 .1a4pagM) o2 mqo ivawAudaad Aug 1notp!M 1uawAedaad lensed a se palms' aq (lint uotlonpaa ail `iedtouud sa3npa.1 pun;aa g ;I •aantouog 011u0wAEd 100.1113 a 2unlew Aq so 010N ay1 aapun panto redpuud ail &upnpal Aq pun ;a.1 S!41 win 01 050043 Agw .1apua7 .10MOnog o1 papun;aa aq iilM sip!' pa1liw .1ad papaaoxa g3i4M .1anto1Og woo; pa1001100 Apg0.13E scans Aug (q) pug :quiff palliwaad 0131 01 021E43 all 03npaa o1 Asessa3°u lunow1 041 Aq paonpaa aq hugs 0811143 11103 43ns Aug (g) :ua41 `sliwi1 pauiwaad ag1 paaoxa veo-I a4l gltM uotl3auuo3 ut 1301301103 aq 01 so pa100iio3 sa2ae4o ue0l aagl0 10 IS0IO1UI 041 1e111 os p0paad.1alw Alieut; si Mgl legs Pug `s02agl3 ueoi wnwixeu sl°s 43i4M Mel g 01 loafgns si ugo-i ayl 3I •Mg-I aiggotiddd Aq JO luawnalsui A1un0as si41 Aq paligigoad Aissaadxa sae Imp saa; 08.1e431ou Am aapu01 •aa; WIN jo 2ut2ae40 ail uo uogigigoad g se panalsuoo aq 1ou Heys aaMOUOg 00 3 °iwtwads g a2aego 01 luawnaISUI A1un30s slip ui A1uogJng ssa .1dxa ;o a3u0sgg am `saa; aa410 Aug of p1e2aa ui 'sm.; uopunien pug uopo°dsui Alaadoad '500; ,sAau1Ou1 `01 paliwii 1ou inq `2utpnloui luawnalsui Alunoas stye aapun si48u pug Auadoad 041 ui 1sa .1alui s,aapua-I 2up301o.1d jo asodmd 041 ao; `1ing;ap s, .1antouog y1UM uotloauuoo ui pawaojiad s°3IAaas .1o; saa; .1aMOaaog 081E43 Aew .1apual •saagg3 utp31 •t'j •aapua-I ;o su2issg pug s .1ossa33ns alp 1i;°uaq pug (0z U0p00s ut paptno .1d se ldaoxa) putq hugs 1U0wn.nsul A1un3as sill ;o s1Uaw0Oa8e pug slueuano3 ags •2upuM ui aseaiaa gons 01 swag .1apua-1 ssaiun luawnJIsul A1un0as si4l .1apun Algigeti pue suopuS4go s,aantouog woo; pomp.' aq 1011 hugs .1antouog 7uawn.nsu4 Apun3as sill aapun slt3auaq pug 514211 s, .10Mou0g ;o lig uimgo hugs .1apua-j Aq panoaddg st pug `8utluM ut 1UawnIISUJ Alunoas stgp aapun suonu$tigo S sawnssg o4M a0M0110g ;o maim' u[ aossa33n8 Aug `81 uotl308 ;o suotsinoad alp 01 loafgns luasuo0 s,aau8is -03 all lnoglIM aloN alp so luawngsul A1un3a8 s141 ;o su101041 pag201 41!M suopepowwo33e Aug 0)lew .10 maw.; 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Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. ®6(WY) moos) CHL (08/00) Page 9 01 11 OM !nit 767 ornm 3051 1/01 LO /L L808 WAOA 1aMOUOg- (IS) 8 9Z -1 7rfriA7-7 t t l0 01. e6ed (00/80) 1HO 113NaaV9 VPINI921IA l '0 213NOHV9 'H x3321 (5000) (AM)9 CS) :sassauitM •it Imm pap .1ooai pug .1am0uog Aq pain3axa aapt2i Aue ut pug ivawnusul Alunoos sup ut paummo3 siueuano3 pure swim aq1 of saw& pure sid033e 10m0JJ10 `MO'Igg DMIsIDIS AEI •3utuoAM 3o sMei uoudwaxa puoisawoq augi jo anutn Aq pug iapun siggu gig sanreM pug saseajai 10mouog •s.1angeA, •bZ •Mgj aiggaiiddd iapun poutuuad st 00j aqi jo guIamg3 aq1 pug plop= saotnus io3 A and pngl g of piled st 00j am 3t ATuo inq 'luou uuisui AiunoaS sup ilutsuotai Jo3 aa; g Jamouog olmg3 Arm iapua' •51503 uopupioaax Aug Aed iregs aamouog ivawniisui Aitm3oS sup aseaiaJ iiggs Japua-i'uawtuisul ASun3aS sup Aq pam3as suns He 3o ivawAud uodn •aseaja?I •£Z ;g o; pay ;g ;ua Sgggb; suosaad J0 uosaad aq; o; ssaaxa Sue (a) pug :;uauna ;sui 4i .1naas sgq; Aq pumas stuns gge o; (q) :saa3 sSauao; ;e aiquuosuaa '0; palling ;ou ;nq Impnpug 'ales aq; jo sasuadxa gge o; (e) :Japan aq; m pagdde aq pegs ages aq; jo spaaaoad aq j 'aim Sue ;e S ;Jado.1d aq; asug3and Sum aauagsap s ;g .10 aapua' tw alquaggddd Sq pagp3saad aauuetu aq; ui Pmos aq igegs S; .1ado.1d aq; putt 'ales jo aat ou aq; gsgqnd pegs aapua-I •Sj uog ;3ag it! papgnoad Jauuytu aq; ui Jamoaaog o; IS aq; jo aag;ou ang2 guys aapuag •mBZ aiquaggddy g3iM a3uep.1033e ug ';uaaa33gp 3g 'S ;aadoad aq; jo uomssassod ug uosaad aq; o; pug JaMo.aog o; asopaao3 0; ;ua ;m 3o a3g;ou 043 Hugs aapua3 'ages 3o aamod aq; sajonug aapua' 3I •a3uapgna am; 40 s;so3 putt saa3 ,sSauao; ;e aggeuoseaJ 'o; mum Sou ;nq Iugpnpug 'ZZ u0g33aS sgq; ug papgnoad sagpatuaa aq; Numsand ug paaanaug sasuadxa gie ;aaggoa o; pag;g3ua aq ggegs aapuai •MRl ameaggddd Sq pa;31uaad sagpatuaa aa ;o Sue pug ages 3o aamod aq; ationu; Sem pue puemap aaq ;an3 3nog31m Suatuna;sui S;gan3aS sty; Sq pumas stuns iie 3o ggni ug 3uauded a ;ygpatutug a.gnbaa Sum uog ;do s ;g ;e aapua -I 'a3g;ou aq; ug pag3Pads amp aq; a.1opaq Jo uo paan3 3011 sg ;gnelap aq; 3I •ages pue uog;1Jaga33e o; .1am0 .1 .1og 30 asuajap Jay ;o Suu ao ;gnejap y 3o a3ua3sgxa -uou aq; ;Jassy o; uof3e 3.11103 y gugaq o; ;Op aq; ;me u0 as ;3y a3e ;sugaa 03 ;Oa aq; 30 .1aMO .1JOg maowug aaq; .1113 guys Jag ;ou agy •S;aadoJd aq; 3o ages pug 3uatuna ;sui S;gan3as sgq; Sq pumas suns aq; jo uog ;yaapaae ug 3lnsaa Sum a3g;ou aq; ug Pag3pads amp ay; aaojaq a0 uo ;gneJap aq; aan3 03 aJn fe3 3yq; (p) putt :paana aq 3snu ;gnepap aq; llama Sq 'Jam0Jaog o; uanga sg a3g ;011 ay; amp aq; moai sSep p£ mull ssag mu 'amp u (3) :;mg1ap ay; aan3 03 paambaa uogpe aq; (q) :31nujap aq; (e) :Swads ggegs a3!Sou aqy •(as3Maag3o sapgno .1d Mel agge3ggddd ssagun gi uogpag Japun uog ;eaap33g o; .1ogad Sou Snq) 3uatuna3sui S;gan3aS s[q1 ug ;uatuaaJ 1 a0 ;uguano3 Sue 30 g3eaaq s .1og augmoggo3 uog3yaaga33e o; aogad aam0 .1.10g 03 x333011 any$ Hugs .1apun •sagpatuag :uog;1Jap33y •ZZ :smogo; se 02.12g pug umuano3 iaqun3 iapua-I pug IOMOUOg •SINVN3AOD IA iOdll�ifl 609£9£TTT£9000# aI 30 3 11111 1,191111 083 STATE OF WYOMING, Lincoln by The foregoing instrument was acknowledged before me this May 14, 2001 Reed H. Gardner and Virginia E. Gardner My Commission Expires: January 11, 2004 ®6(WY) (0005) CHL (08/00) 769 Doc ID #00063111353609 County ss: Notary blic Page 11 0111 Initials: Form 3051 1/01